| Summary: | 碩士 === 國立高雄第一科技大學 === 科技法律研究所 === 102 === Due to poor credit quality caused financial sector in Taiwan continuously increase in bad debt and numerous losses, Also the new banking system is not perfectly organized, Therefore, in order to solve the worsening of Non-performing Loan under the financial competent authority , the Ministry of Finance refer to those countries who has similar non-performing loans problem, establish a mechanisms for asset management companies .
It is a common phenomenon of the recovery of non-performing loans in our financial institutions practice. Currently, our non-performing loans of financial institutions was dealing by the following mode , The banking system deal with it by themselves or enforced through the courts, and others sale it to asset management companies.
Financial institutions faced considerable challenges for the recovery of bad debt problems in daily operation after the implementation of the Personal Data Protection Act. Therefore, this paper mainly discusses the applications and conflict of personal data protection laws while the recovery of non-performing loans with a workable mechanisms, supplemented by practical experience in the country, the implementation of non-performing loans recovery collate to stagnate factors for domestic financial institution or an asset management company in NPL for their reference while they handling in real practice.
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